ADF, in invoicing, is After Deducting Freight.
DELINQUENCY RATIO is the ratio of past-due loans to total number of loans serviced.
NET OPERATION PROFIT AFTER TAXES (NOPAT) is a profitability measure that omits the cost of debt financing (i.e. it omits interest payments, along with their associated tax break). NOPAT is primarily used in the calculation of EVA. It is calculated: NOPAT = operating income x (1 - Tax Rate).
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